Reply to BCBS Federal questions- Basic v. Federal and online site?

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[quote=Anonymous]We pay for BCBS Federal- Standard (family) instead of Basic. This is around $240 more per month for the monthly premium. Basic is $568.96/month, and Standard is $803.14/month. Basic has no deductible. Standard has a deductible of $700 for the family.

BCBS pays us around $65 for each of DD's bi-monthly counseling visits (for which we pay $200 per visit). They also pay a similar portion (I believe) for her psychiatrist visits (for which we pay around $225 per visit. 3-4 times/year). They also pay around that much for my counselling visits (once a month, for which I pay $225/visit).

My questions:

1. Do you think BCBS Standard is worth it? Seems like a wash for me, or I am probably losing money. My gut says to just keep Standard until DD graduates b/c of intertia and for my peace of mind. We have another kid who does not have complex health needs. Kids are ages 15 and 13 so you never know what high school will bring.

2. Also, I know the claims have to be submitted BY MAIL, and I do that. Is creating an online MyBlue account worth it? Can you see all the final EOBs on there before they get mailed to your house? I don't want to create a MyBlue account to get teleheath/access to general health advice.
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